If you have Medicare and are looking for care in the Keokuk area, Dr. Jason James and the team at James Healthcare & Associates are here to help. Dr. James works with Medicare patients throughout southeast Iowa, northeast Missouri, and western Illinois, providing chiropractic and healthcare services while helping patients understand their coverage options and what to expect before beginning care.
Insurance We Accept
We work with a range of insurance plans and private pay options to keep care accessible to patients throughout our region. Accepted insurers include:
- Medicare
- Blue Cross Blue Shield (BCBS)
- UnitedHealthcare
- Aetna
- Private pay is also welcome
Coverage can vary depending on the services you need and your specific plan coverage. Our front desk is happy to answer questions about insurance, billing, and what to expect before your first visit.
Call us at (319) 524-3339, and we will help you understand what your insurance may cover and any potential out-of-pocket costs before you come in for your appointment.
What Medicare Patients Choose Dr. James
Many of Dr. James’ Medicare patients have been living with pain or discomfort for years. Many have been told by their doctor that surgery is the next step.
Some have been on pain medication long enough that it has stopped working the way it used to. Others have tingling or numbness in their hands and feet that has gotten bad enough to affect everyday tasks, such as driving, gripping, sleeping through the night, or taking care of the kids.
Back pain, sciatica, disc injuries, and neuropathy are some of the most common reasons we see Medicare patients in our practice. And they are not problems you should have to live with or keep pushing through. They are the kind of problems our team regularly addresses with patients.
Our Approach Is Finding the Root Cause First
Dr. Jason James has 25 years of experience and practices the Gonstead method of chiropractic care. The Gonstead approach uses a heat-detecting instrument called a nervoscope to scan the spine. Combined with hands-on palpation and full-spine digital X-rays, Dr. James seeks out the exact source of each patient’s concerns before making any adjustment.
Most chiropractors focus on the area that hurts. We strive to treat the area where the discomfort comes from. That distinction is the foundation of the Gonstead system, and it is what sets our clinic apart from a standard chiropractic adjustment.
Our focus on treatment specificity can be especially important for older patients, whose spines and nervous systems have experienced decades of wear. We do not guess. We look, we confirm, and we treat what we find. You leave with a clear picture of what is going on and a plan built around the actual problem.
Integrated Care Under One Roof
For patients managing multiple conditions, coordinating care across multiple providers is a burden in itself. Dr. Jason James helps Medicare patients simplify their care by bringing multiple services together at James Healthcare & Associates.
Under one roof, we offer our patients:
- Gonstead chiropractic care
- Neuropathy treatment, including red light therapy
- Medical weight loss
- Hormone replacement therapy
- In-house physiotherapy led by an on-staff specialist
- Cold laser therapy
In Keokuk and surrounding communities, having a wide range of medical services in one location can reduce the need to travel between providers. James Healthcare & Associates brings several areas of care together under one roof, so patients can handle different types of appointments and follow-ups in a single place.
Serving the Tri-State Region
We draw patients from Iowa, Missouri, and Illinois, including Keokuk, Quincy, Fort Madison, Burlington, Kahoka, Canton, LaGrange, and surrounding small farming and working communities throughout the region.
Our location at 612 Main Street in Keokuk puts our clinic within reach of patients who have spent years receiving care from different providers in different towns and states. Medicare patients who choose Dr. Jason James travel from communities across Iowa, Missouri, and Illinois for care at our Keokuk location.
If you have questions about whether we serve your area or whether your Medicare plan is accepted, call us directly.
New Patient Special
New patients can schedule a comprehensive first visit, including a full Gonstead analysis, digital posture and structural evaluation, full-spine digital X-rays, range-of-motion testing, and a personalized findings and care plan, for $99. Learn more about our new patient specials here.
Frequently Asked Questions
What chiropractic services does Medicare Part B cover?
Medicare Part B covers manual manipulation of the spine by a chiropractor or other qualified provider to correct a documented subluxation. A subluxation refers to a misalignment of the spine that is identified through clinical evaluation or imaging. It must meet Medicare’s criteria for coverage, and the treatment must be medically necessary and specifically aimed at correcting the spinal condition.
Services such as acupuncture, massage therapy, X-rays, and other chiropractic therapies are not covered under Original Medicare. However, some Medicare Advantage plans may offer additional benefits depending on the plan.
How much will I pay out of pocket for chiropractic care under Medicare?
Under Original Medicare Part B, you are responsible for the annual Part B deductible before coverage begins. Once the deductible is met, Medicare typically pays 80% of the Medicare-approved amount for covered chiropractic services, and you pay the remaining 20%.
Coverage is limited to manual spinal manipulation to correct a documented subluxation. Other services often provided during chiropractic visits, such as exams, X-rays, massage, or additional therapies, are generally not covered.
Costs can vary if you have a Medicare Advantage plan, Medigap policy, or other secondary insurance. Confirm specific cost-sharing details with your plan’s member services before your first visit.
Does Medicare cover X-rays taken at a chiropractic clinic?
Medicare generally does not cover X-rays ordered by a chiropractor for the purpose of chiropractic treatment. However, Medicare may cover X-rays when they are ordered by a qualifying physician, such as a primary care provider, and performed as part of a medically necessary diagnostic evaluation at a Medicare-enrolled facility. Coverage depends on the ordering provider and medical necessity, not the clinic type where the imaging is performed.
Does Medicare limit the number of chiropractic visits it covers in a year?
Medicare does not set a fixed annual limit on the number of covered chiropractic visits. Coverage depends on whether each visit is considered medically necessary.
Typically, spinal manipulation is covered when it is part of active treatment aimed at correcting a documented condition. Once care becomes maintenance in nature, meaning the condition has stabilized or is no longer showing improvement, Medicare generally does not cover additional visits, even if they occur within the same year.
What is a subluxation, and why does it matter for Medicare coverage?
A subluxation is a chiropractic term used to describe a spinal joint that is not moving or functioning normally, often due to misalignment or restricted motion. Chiropractors may also describe it as affecting how the spine moves and how the nervous system responds.
For Medicare coverage, a subluxation is a documented spinal misalignment or joint problem found during an exam or imaging. Medicare requires clear documentation that the condition is present and that spinal manipulation is needed.
Because coverage is tied to this documentation, identifying and documenting the location of the subluxation establishes medical necessity for payment.
What conditions are typically covered for chiropractic care under Medicare?
Medicare covers chiropractic care only for manual spinal manipulation to correct a documented spinal subluxation. While subluxations may occur in patients experiencing conditions such as back or neck pain, sciatica, or disc-related issues, Medicare does not cover those conditions directly under chiropractic care.
Coverage is limited to active treatment aimed at correcting the subluxation and does not include maintenance or wellness care. To qualify, the subluxation must be clearly documented by a chiropractor through clinical examination.
Does Medicare cover neuropathy treatment?
Medicare may cover medically necessary services for diagnosing and managing neuropathy, including physician evaluations, certain diagnostic tests, and physical therapy, when coverage requirements are met.
Original Medicare generally does not cover treatments such as red light therapy or cold laser therapy for neuropathy. Some Medicare Advantage plans may offer additional benefits that include certain therapies, depending on the specific plan.
James Healthcare & Associates can help patients understand which services may be covered and what questions to ask their insurance provider before beginning care.
Will Medicare cover physical therapy at a chiropractic clinic?
Medicare Part B covers outpatient physical therapy when it is medically necessary and provided by a qualified, Medicare-enrolled therapist. Treatment must be connected to a documented condition and designed to improve function or maintain function when skilled therapy is required.
James Healthcare & Associates has an in-house physiotherapy specialist on staff, allowing these services to be coordinated alongside chiropractic and medical care within the same practice. Coverage details vary by plan, so patients should confirm their specific benefits before beginning care.
What is the difference between Original Medicare and Medicare Advantage for chiropractic care?
Original Medicare Part B provides coverage for manual spinal manipulation to correct a documented subluxation. Once you satisfy your Part B deductible, you typically owe 20% of the Medicare-approved cost unless you have additional coverage, such as a Medigap policy.
Medicare Advantage plans must provide at least the same Medicare-covered chiropractic benefit, but some plans may include additional chiropractic visits or other supplemental benefits not available through Original Medicare. Because benefits and cost-sharing vary by plan, reviewing your plan documents or contacting your member services line is the best way to confirm your specific coverage.
Do I need a referral to see a chiropractor under Medicare?
Medicare typically does not require a referral from a primary care provider to see a Medicare-enrolled chiropractor. Medicare Advantage plans have their own rules, and some may require a referral, prior authorization, or care from an in-network provider.
Because requirements vary by plan, the best step before scheduling an appointment is to contact your plan’s member services line to confirm whether any approvals are needed. James Healthcare & Associates can also help patients understand what information to verify before their first visit.
What if Medicare doesn't cover a service I need?
Some services, including certain therapies and diagnostic tests, fall outside what Medicare covers. Patients in this situation can pay out of pocket for uncovered services, check whether a Medicare Advantage plan covers them as an additional benefit, or work with their provider to structure care around the services their plan does cover.
At James Healthcare & Associates, we work with patients at all coverage levels. The goal is to make sure you clearly understand your options before you commit to a treatment plan, so you know what your care will cost.
Does Medicare cover hormone replacement therapy or medical weight loss services?
Medicare coverage for hormone therapy and medical weight loss services depends on the reason for treatment and the specific service being provided. It generally does not cover hormone replacement therapy or weight-loss programs when used for wellness, prevention, or general weight management.
However, Medicare may cover certain medically necessary treatments related to diagnosed conditions, and some Medicare Advantage plans may offer additional benefits depending on the plan.
How do I confirm a healthcare provider accepts Medicare before my appointment?
The easiest way is to call the clinic directly and ask. You can also use the Medicare provider finder tool at Medicare.gov to search for participating providers by specialty and location.
Asking whether the provider accepts Medicare assignment is also important. Assignment means the provider agrees to accept Medicare’s approved payment amount as full payment for covered services, which helps keep your costs predictable.
James Healthcare & Associates accepts Medicare, and our front desk can answer questions about your specific plan and what to expect before your first visit.
What should I bring to my first appointment as a Medicare patient?
Bring your Medicare card, any supplemental insurance cards, a photo ID, and a list of current medications or supplements. If you have recent X-rays, MRI results, or medical records related to the condition you are seeking care for, bring those as well. Prior imaging or records can help the clinical team understand your history and, in some cases, reduce the need for duplicate testing.
Call ahead to ask whether there are any additional forms to complete in advance so your first visit can focus on your evaluation rather than paperwork.
What happens if Medicare denies a claim for my chiropractic treatment?
You can appeal a Medicare claim denial, and a large percentage of denials are overturned when patients or providers submit supporting documentation. The key is thorough documentation from your provider showing that the treatment was medically necessary, tied to a specific diagnosis, and actively aimed at correcting a condition rather than maintaining general health.
Our team prioritizes documentation as part of every patient’s care record. If you receive a denial after a visit, reach out to our front desk, and we can work with you on the next steps.


